As digital payments surge, experts warn that traditional paper checks may be closer to extinction than ever.

Paper checks, once a cornerstone of U.S. banking, are quickly slipping into the past. Their use has dropped by more than 90% since the 1990s, and many banks, government agencies, and businesses are accelerating the shift toward faster, digital payment methods. With rising processing costs, fraud concerns, and widespread adoption of electronic transfers, experts say checks may soon disappear entirely. As the financial landscape evolves, Americans are preparing for a future shaped by instant payments, digital wallets, and new cashless technologies.








